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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Stautory Demand - I need Help Please!


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On a point of detail. They have a common law obligation to look after you interest when dealing with a repossession. Despite whatever the T&Cs say. You should get a price from a few different sources for your models of equipment at 6 months old. If you can, 3 sources.

 

The average of these will give you a figure of what should be obtained. Hopefully, there will be a big difference to what was obtained.

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Thank you to everyone who has replied (and sorry for the cut&paste faux pas 42man!).

 

I think the consensus seems to be that we are stil lin dispute over the amount claimed in the SD because they have not provided me with the proof I requested in my last letter that they at least tried to achieve fair market value. I intend to ask to have the SD set aside on this basis. Assuming that it is set aside they may well then begin civil proceedings. If so, then I will defend this by again by arguing that they have sold the equipment to one supplier without any evidence that they can produce (assuming they can't) that they have achieved anything like fair market value. If the SD is not set aside then I can only argue that it wasn't served correctly and thus any ensueing bankruptcy petition would be invalid.

 

I genuinely don't have any assets so making me bankrupt wouldn't achieve anything - except wipe out all my debts I guess!! I will if I can use the small amount that I have been offered by a family member to settle with creditors across the board. I would just like to get this over and done with and get on with my life.

 

I am sure that these guys will have done a 'deal' of some sort and re-leased the equipment that they sold at a ridiculously low price back to the manufacturer. I have been offered 'almost new' laundry equipment in the past by them for not far off the 'new' price!

 

Anyway, thanks again everyone.

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When you do the set aside, I would suggest that you say that you have an ongoing dispute in regard to the amount of debt following the end of a contract and that the creditor company has not replied to correspondence. The request to set aside, is to allow both parties to continue with appropriate discussion and negotiations over the dispute to avoid unnecessary use of court time and inapproriate use of the insolvency system, as a first option to resolve a contractural dispute.

 

Something like that. You have to flesh it out a bit.

 

I have since read about the serving of SD's and the rules appear to have been changed. There is now a difference of opinion. It would appear sending an SD by normal post is allowed, provided they have an affadavid saying that the SD was sent on x day to address xxxxx where they know the defendent is resident. Setting aside an SD on the basis of wrong delivery of an SD does not appear to be enough and saying that an SD was not received may not be adequate to avoid a bankruptcy petition.

 

So I think you will have to set aside purely on the basis that there is an ongoing dispute and that use of the insolvency system is not appropriate at this stage.

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You will need forms 6.4 (set aside) and 6.5 (witness statement) you can find them both here and you can use continuation sheets too - http://www.bis.gov.uk/insolvency/About-us/forms/england-and-wales

 

Once you have filled them in then you should take them in or post them (recorded delivery) to the court, the court will be the closest court to you that handle bankruptcies / insolvencies - NOT ALL COUNTY COURTS HANDLE THESE TYPES OF CASES, so if in doubt then ring the court first. Normally in a stat demand the creditor names the closest court to you to set aside. There is no court fee in setting aside a demand.

 

You should use phrases like

 

The defendant totally disputes the debt, the defendant avers that the claimant has not answered the dispute etc etc - you can find plenty of threads on these forums regarding stat demands - have a look here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

You can back up any of your disputes with high court law (if you know of any). If you do back it up with high court law then remember a lower county court should abide with a judgment from a higher court.

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If you need to attach any letters / correspondence then you should refer to these in the witness statement, when you submit the stat demand you need to take the original to the court along with your set aside form 6.4 - help here filling this out

 

How to fill in Form 6.4

 

For (a) fill in your name and address

 

The section that states attend before the Registrar leave blank. This will get filled in by the court.

 

For (b)

on the hearing of an application by (b) (insert your name)

 

An application for an order that the statutory demand dated (insert date on the SD that you received from the creditor) be set asidelink3.gif

 

For ©

The grounds on which the applicant claims to be entitled to the order are set out in the witness statement (insert the date that you hand the forms into the court).

 

For (d)

The names and addresses of the persons upon whom this application should be served are:

(d) (insert name and address of creditor or solicitors)

 

For (e)

The applicant’s address for service is: (e) (insert your name and address)

Cross out where it states (Solicitor for the) and just leave the word Applicant and sign and date the form.

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Your costs should be submitted so they are in the court files at least 7 days before the hearing, but you can only do this when you have a court date - this is a link to how to fill out a LITIGANT IN PERSON costs sheet - http://www.consumeractiongroup.co.uk/forum/showthread.php?327997-Statutory-Demand-from-Hamptons-Legal-WON-STAT-DEMAND-DISMISSED/page2&highlight=hamptons

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Thanks 42Man.

 

On the Stat demand they have added interest of £557.70 based on 5% above Finance House BAse RAte. This was the amount on the original hire agreement to the Company (before it went into liquidation) that was specified as being owed in the case of default. It seems that they are trying to claim that through me as a guarantor. I had read somewhere that they cannot claim stat interest on an SD. Does this count?

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Hi 42MAn. Just going through the Witness statement. Is it appropriate for me on this fom to list the correspondance sent and received by both sides - for clarity - this constitutes 8 letters and a phone call in total.

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can still also question service on form, albeit acknowledged. would be up to cred to explain why no personal service as rules require it 'if practicable in the particular circumstances'.? then for J to decide.

Edited by Ford
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Ford is saying that on the set aside, you could also question the service of the SD, given the dates you mention in your post. If it was dated 30/7/12 and not received until 24/10/12, then the service of the SD is iffy.

 

The rules as ford says are for SD's to be personally served 'if practicable in the particular circumstances'.

 

It would be for a judge to decide about the service of the SD. It was dated 30/7/12 and then when it was received, it wasnot even personally served. What attempts did the creditors make to serve the SD between July and October ? This is not for you to answer, but if there was any hearing about the set aside, this question could be asked.

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loulou

re that '4 month' expiry period you mentioned sols mentioned, could this be re scots law?

Edited by Ford
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..........

 

The rules as ford says are for SD's to be personally served 'if practicable in the particular circumstances'. ...

 

so, the presumption would be that there should be personal service unless the 'particular circumstances' prove/allow otherwise?

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